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From the moment I learned I was pregnant Cheap NFL Jerseys From China , I knew I wanted to be a stay-at-home mom. That feeling only strengthened when my beautiful son was born. I took one look at him and wondered how I could ever give up the opportunity to spend each and every day with him, watching him grow and learn, and exploring the world for the first time through his eyes. But there was a problem. We were a two-income family. How could we possibly afford to eliminate one of those incomes? Well, there are a lot of answers to that question and I'd like to share the ones I found with you.


The first thing I looked at when determining ?what we can afford? is how much money we made. I was wrong. What I really needed to examine was our expenses. So, the first step I took in my quest to stay home was to list the expenses I would incur in order to work, versus staying home. This is what I came up with: professional clothing (your kids don't mind that you wear sweats!); transportation costs: fuel Cheap NFL Jerseys China , tolls, public transit, parking, etc.; those 'must-have? coffee andor donut stops each morning; lunches with coworkers; gifts for coworkers (holidays and special occasions); CHILDCARE ? it's in bold print for a reason. If you haven't priced this one out yet, do it now. This will easily be your greatest expense. And, it only goes up with each child.


Go ahead and add up all these expenses. Don't be too depressed Cheap NFL Jerseys , because there's good news: these expenses represent your ?instant rebate? for staying home. You've essentially just eliminated the need for a good portion (if not all) of your income. Need more savings? Keep reading!


How many times per week are you dining out at restaurants, getting take out, ordering in, etc? By staying at home, you have the time to go to the grocery store and prepare a wholesome and much more economical meal for your family.


Eliminate (or at least cut back) on your little luxuries. Manicures, pedicures Cheap Jerseys China Wholesale , massages, hair highlights, 300 television channels, 2000 cell phone minutes. You get the picture.


Clip coupons. I actually started buying the Sunday paper each week just for the coupons! You may have never seen the need to do this while you were working, but if you take the time, it will save you money. There are also plenty of online sites that provide coupons.


Examine your bills carefully. When we had 2 fulltime incomes Cheap Jerseys Online , I'm embarrassed to admit it, but I rarely looked at any bill in detail. If there was an amount due, I paid it. I never looked at it, never questioned it. Now I go over every health insurance summary, utility statement, etc. with a magnifying glass. And Cheap Sports Jerseys , I can honestly say in the past 2 years I have caught almost $1000 in billing errors. That's $1000 more for my family.


Make this a team effort. If staying home only appeals to you and not your partner, your chances of success are greatly diminished. Making adjustments to the family budget will affect the lifestyle of all those involved. This transition will be much smoother with the support of your significant other.


And last, but certainly not least, follow your heart! If you feel called to stay home with your children, then do it! All it takes is the determination to succeed and the willingness to reduce expenses. Best of luck to you!

>Get Your Business to the Top by Hiring a Bookkeeper or Accountant

Posted by buylan on April 1st, 2015


Most business owners have an approach that goes like this: do everything yourself and never pay for something that you yourself can do. With such an attitude Cheap Authentic Jerseys , it is simply difficult to justify hiring professional assistance such as an accountant or even just a bookkeeper.


They just buy user-friendly Scottsdale Quickbooks and set out to personally do the accounting and bookkeeping services that their companies need. However, since they’re not really professionally trained to do this job, they keep wondering if they are really doing it right.


Oftentimes, those who hire professional help find out that they weren’t doing it right at all, even if they originally thought they were.


You Need Professional Help


If you are a business owner with no knowledge about accounting and bookkeeping, you really need professional help. Perhaps you think that since an accountant is also a bookkeeper Cheap Jerseys Wholesale , you can economize by just hiring an accountant.


But you may not realize that this situation is similar to hiring an architect and a carpenter. You need both to build your house. Thus, you need an accountant to help you see and organize the big financial picture, and a bookkeeper such as a Mesa bookkeeping services which can concentrate on the small elements that comprise the big picture.


When to Hire a Bookkeeper


A bookkeeper can help you track down all your expenses especially during the early stages of your business. Most experienced business owners hire a bookkeeper for the first six to nine months of their business startups.


At this stage, your mind will be focused on getting your business from the ground up, and you will not be able to keep timely records of all your expenses. When things begin to stabilize, then you can focus on where your money is coming and going.


You can hire a bookkeeper such as Gilbert Bookkeeping or other bookkeepers for a few hours a week just after you have started your business.


When to Hire an Accountant


With many accounting firms offering their services to business owners Cheap Jerseys From China , small entrepreneurs choose to outsource their accounting needs. However, if your business grows to a $1 million level or if your employees have increased to about 30, you will need the exclusive services of an accounting staff.


It’s alright to outsource your accounting services while your business is still small. But as soon as your business increases its reach in terms of profit and areas of influence, you need to hire a full-time accountant, or even a complete accounting staff.


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